There are few things that make life as difficult as having bad credit. Having bad credit makes it difficult to get a loan for a car or home … or pretty much anything. Bad credit can make it tougher to get a job these days as more and more employers run credit checks on potential employees before they hire them. Not only is bad credit tough to deal with, it can be that way for a long time. Once your credit score drops, it could take up to seven years before it fully recovers.
How You Can Dispute Bad Credit
Most people are aware that bad credit can have a big impact on their financial well-being. What most people don’t know is that there are ways you can fix bad credit.
Bad credit stems from having negative items listed on your credit report. Everyone is entitled to a free credit report once a year that will show what the negative items on your credit report are. After finding out what the negative items are, you can dispute the item by sending a dispute letter to the credit reporting company that has the negative claim appearing against you. This puts the burden of proof on the creditors instead of you. Upon receiving your dispute letter, the consumer reporting companies have to look into your claim within 30 days. If your creditors cannot prove the item against you is valid, the credit reporting bureaus have to remove it from your credit report. Simple as that!
Disputing negative items on your credit report is a great way to improve your credit score. Every year, millions of negative items are removed from credit reports because of disputes. Many people notice there are items against them on their credit report that are just plain wrong. They are for items they never purchased, or for things they never owed money on. The nice thing is even if the negative items are really yours, your creditors still have to prove they are valid. If they can’t verify it, it has to be deleted.
Through disputing negative items on your credit report, and by paying your current expenses on time and in full, you can help your credit score recover rapidly.
I Was Able to Get Help Disputing Bad Credit
After I graduated from college, I got a pretty good job at a mid-sized company that was doing really well at the time. I moved my way up the ranks and was living the dream … before the recession finally hit my industry. All of the sudden, my company wasn’t getting paid by our clients and as a result, we couldn’t pay our bills any more. The owners decided to shut everything down and I lost my job along with about 30 other people.
I got unemployment, but that was barely enough money to buy food for my family. I started going deeper and deeper into my credit cards until I had maxed them out. I also got behind with a lot of other payments.
I finally declared bankruptcy, but by that time my credit was badly damaged. I lived with the bad credit for a couple years and then decided I wanted to buy a house. I quickly discovered that I didn’t qualify because of my bad credit. Not knowing what to do, I listened to the advice of a buddy of mine who told me to dispute my bad credit. I told him I had no idea how to do it and he told me there was a company that could do it for me – all I had to do was pay a small fee and they would take care of everything else. Since I knew how important having good credit was, I decided to give Lexington Law a try.
I called Lexington Law and they helped me out. They got a couple of the items from my past credit card debt removed and my credit score was on the road to recovery. It took several months to get my credit score where it needed to be, but I was finally able to qualify for a home loan. I moved into my new place a couple years ago and have loved it ever since! I’m so grateful I was able to fix my credit score with the help of Lexington Law.
I Raised My Credit Score Over 200 Points by Disputing Bad Credit!
Did you know that you have the right to dispute information contained on your credit report? When you dispute bad credit with the credit bureaus, they have 30 days (by law) to verify the information. If the information cannot be verified, it must be deleted.
Note that whether the account is “really” yours or not has no bearing on their responsibility to verify it. If it cannot be verified, it must be deleted … period.
Collections Removed from My Credit Report:
Bankruptcy Removed from Equifax:
Bankruptcy Removed from TransUnion:
Charge-Offs Removed from My Credit Report:
My credit scores have dramatically improved since there are no longer any negative accounts on my credit report. Here’s a snap shot of my credit scores since I signed up with Lexington Law:
“Thanks Lexington Law Firm for all your help. I appreciate all you’ve done to clear my credit. So much progress was made in such a short time! You were very professional and very helpful at all times. And it was so nice to get a real human being on the phone whenever I needed assistance. I’ll keep you in mind if I ever need anything else.”
— D.S., Lexington client
“I’ve been a customer with Lexington Law for some time getting my credit fixed. You’ve helped me clean up the snags in my credit history. It used to be, when I went to get a loan, they’d charge me between 16 to 20% interest! A few months back, due to my credit being clean, I was able to get a used car loan for under 8%. That amounted to over $100 a month in interest savings. I was also able to purchase 5 acres of land and have been approved for a construction loan to start building a house.! Thank you all!”
— C.R., Lexington client
You can read hundreds of client testimonials and even watch some very inspirational client video testimonials here.
Lexington Law has helped thousands of clients by eliminating all kinds of bad credit items, including bankruptcy, judgments, liens, collections, charge offs, foreclosure, and more!
Discount for Couples
Lexington Law is now offering $50 off the initial fee when you and your spouse sign up together. The discount will be applied after the second sign-up is complete.